Often times we use our emotions to determine our financial capacity to obtain insurance. Now, there's a tool that evaluates your financial leverage based on the law of averages in your area. Using Google Gemini AI technology, explore the Minnesota AI Financial Insurance Expert tool that measures your income and more to help you determine your cost capacity for life insurance, health insurance and annuities. MO AI Financial Insurance Expert Evaluate your finances and gain quality feedback using some of the latest Google Gemini AI generative technology! The tool scours the worldwide web and takes information from resources you know to help you evaluate your finances for insurance coverage. EVALUATE YOUR FINANCES Primary Data Sources U.S. Department of Health and Human Services Missouri Economic Research and Information Center You will be taken to a third party resource when opting to select and explore these links. Those sites are not monitored by JHN Finance and are not subject to the terms and conditions of JHN Finance. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Available products with Humana Insurance through JHN FINANCE. Product descriptions to make an informed decision about your insurance coverage! GET STARTED JHN Finance has products from this provider. BEFORE YOU PURCHASE INSURANCE... DO Purchase without consulting a licensed professional. Skip over professional guidance by going directly to the insurer for a product Purchase, request, or maintain a plan based solely on the popularity of the product Maintain an insurance plan without professional oversight and management Follow advise provided by anyone who does not currently hold a life insurance license Consult your insurance broker Discuss all options available for you Provide as much information as possible to your insurance broker Review all family needs short-term & long-term Configure an insurance plan with your professional short-term & long-term DON'T PRODUCTS MEDICARE ADVANTAGE (MO) MEDICARE SUPPLEMENTAL(MO) MEDICARE SUPPLEMENTAL (MN) Products offered by Humana ©️ . and are not exclusive to JHN FINANCE ©️ . Ownership of products and logo of Humana ©️ are property of Humana ©️ and use of products and materials offered on JHN FINANCE ©️ licensing is under exclusive agreements of JHN FINANCE ©️ and Humana ©️ . A+ RATED... VERIFY ACCREDITATION FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Lock in high guaranteed rates with American Pathways Fixed Annuities by Corebridge Financial. Secure your principal with JHN Finance Insurance in MN & MO today! About American Pathways Fixed Annuity Products Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. AP Fixed Annuity Infograph Product Thesis The American Pathway fixed annuity series functions as a risk-averse retirement strategy designed to mitigate market volatility and longevity risk by providing guaranteed principal protection, fixed interest accumulation, and tax-deferred growth, while trading immediate liquidity for secure, long-term income streams. Detailed Synthesis To support this thesis, the American Pathway products are structured around three core pillars: financial stability independent of the stock market, tax-advantaged accumulation, and distinct product variations tailored to specific time horizons and income needs. 1. Stability and Market Independence The primary value proposition of the American Pathway series is the decoupling of retirement assets from stock market performance. Principal Protection: These annuities provide a guaranteed fixed rate of interest, ensuring that the contract value is not negatively impacted by market downturns. Guarantees: Unlike bank deposits, these are not FDIC insured; rather, all guarantees regarding interest and income payments are backed solely by the claims-paying ability of the issuing insurance company, American General Life Insurance Company (AGL). Predictable Returns: The products offer specific "interest rate guarantee periods." For example, the Fixed 5 and Fixed 7 products allow clients to lock in rates for one, three, five, or seven years, while the VisionMYG offers guarantees extending up to 10 years. 2. Tax Efficiency and Accumulation The product line emphasizes the power of tax deferral to accelerate asset growth compared to taxable accounts. Compound Growth: Taxes on interest earnings are deferred until withdrawal, allowing the money that would have been paid in taxes to remain in the account and earn interest. Tax-Advantaged Distributions: Upon annuitization (converting the contract to an income stream), a portion of each payment is considered a tax-free return of principal (for non-qualified contracts), rather than fully taxable income. 3. Product Variations and Customization The "American Pathway" brand encompasses different annuity structures designed to meet varying liquidity and income goals: American Pathway Fixed 5 & 7: These are single-premium deferred annuities suited for short-to-medium-term accumulation (1 to 7 years). They offer an optional "return-of-premium" guarantee, allowing the return of the initial investment minus net withdrawals at any time, though this feature results in a lower interest rate. American Pathway VisionMYG: Geared toward longer-term accumulation, this Multi-Year Guarantee (MYG) annuity offers rate locks for 4 to 10 years. It features a distinct withdrawal charge schedule that declines over 10 years. Deferred Income Annuity: This product focuses on longevity protection rather than accumulation. It converts a lump sum into a guaranteed future income stream, with options to defer payments for up to 30 years. It includes flexibility features like the "Income Start Date Adjustment," allowing the owner to accelerate or defer the start of payments once within a five-year window. 4. Liquidity Constraints and Costs While offering security, the thesis must acknowledge the liquidity trade-offs inherent in these contracts. Access Limitations: The products are long-term vehicles. While they allow for "penalty-free withdrawals" (typically the interest earned or 15% of the contract value annually), withdrawals exceeding these amounts are subject to withdrawal charges. Market Value Adjustment (MVA): For the Fixed 5, Fixed 7, and VisionMYG annuities, withdrawals made during the guarantee period that exceed the penalty-free amount may be subject to an MVA. This adjustment can decrease the withdrawal amount if interest rates have risen since the contract was issued. Exceptions: To mitigate liquidity risks, the contracts include waivers for terminal illness or extended care, allowing withdrawal charges to be waived under specific severe health conditions. Conclusion In summary, American Pathway fixed annuities constitute a conservative financial instrument. They are engineered for individuals prioritizing the security of principal and guaranteed income over the potential for higher, riskier market returns, accepting restricted liquidity and surrender charges in exchange for protection against market losses and outliving one's assets. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

You & your loved ones deserve protection. Get covered with Life, Health & Accident Insurance options provided with care by JHN FINANCE Insurance. Term Life, Whole Life, Index Universal Life, Annuity Coverage + more. Google Reviews MN & MO AGENCY Lightning-Fast AI Quotes. Real Local Guidance. Find A Professional Plan Get instant life insurance, annuity and health insurance plan requests using state-of-the-art Gemini AI, backed by a dedicated broker in Minnesota & Missouri who actually knows your name. LIFE INSURANCE & ANNUITY PROVIDERS LIFE INSURANCE PRODUCTS SELECT-A-TERM Get affordable life insurance with 10-30 year flexibility that fits your life perfectly —down to the specific year— Corebridge Financial Select-A-Term. PACIFIC HORIZON IUL 2 Indexed Universal Life Insurance VALUE + PROTECTOR III Indexed Universal Life Insurance Secure Lifetime GUL 3 Guaranteed Universal Life Insurance AMERICAN PATHWAYS Fixed Annuities Why Get Life Insurance Now? Because you will never be younger or healthier than you are today. Premiums increase with age—lock in your lowest possible rate right now and save thousands over the life of your policy. Find My Perfect Plan HEALTH INSURANCE PROVIDERS HEALTH INSURANCE PRODUCTS INDIVIDUAL & FAMILY HEALTHCARE Navigating the Health Marketplace shouldn't feel like a second job. Skip the confusing government websites and let JHN Finance handle the paperwork for you. We help you maximize your subsidies and find the perfect plan for your family—a free service to you! MEDICARE ADVANTAGE Retire healthy with all-in-one solutions! GROUP HEALTH PLANS Get healthcare for your business! DENTAL Standalone dental plans for you and your loved ones! MEDICARE SUPPLEMENTAL Fill in the gaps of your Medicare Coverage! WHY JHN FINANCE? "We don't work for the insurance companies. We work for you." - Chief Executive Officer, Jacob Hollingsworth REVIEWS Jacob Hollingsworth was great he came out to my home on a Saturday! He made sure all my paperwork was in order and mailed it out right away." - Alicia Barnes A+ A+ A+ A+ BBB Accredited BBB Accredited BBB Accredited BBB Accredited Jacob Hollingsworth Network Corporation is rated by the Better Business Bureau as having a quality product & service for the public. 5 Star Rated 5 Star Rated 5 Star Rated 5 Star Rated Jacob Hollingsworth Network Corporation is known for providing quality service by caring 1st. LARGE NETWORK LARGE NETWORK LARGE NETWORK LARGE NETWORK We have no obligation above taking care of you 1st. So, we do not sell products based on commission rates. We find you the best plan with our large network of recognizable providers. WHY GET INSURED NOW? 1. Protecting Your Family Life comes without warning. Maintain a healthy & positive dynamic by knowing you're covered if life happens. 2. Build Generational Wealth Insurance & Annuity policies promise a financial stability that can only be obtained through guaranteed assurance. Thus, allowing proper allocation of assets in your financial portfolio. Elect a beneficiary of your insurance policy. 3. Financial Flexibility Avoid the potential of living "paycheck to paycheck" and reap the benefits of an enjoyable retirement. Learn more about how insurance works for you with JHN FINANCE News. LEARN MORE HOW EASY IS THIS? STEP 1. STEP 1. STEP 1. STEP 1. Start Simple. Complete our secure JHN Instant Application in minutes from the comfort of your home. STEP 2. STEP 2. STEP 2. STEP 2. Compare & Optimize. We shop the market for you, filtering out bad policies to find the highest coverage at the lowest rate. STEP 3. STEP 3. STEP 3. STEP 3. Decide with Confidence. Choose your plan knowing you have a 5-star broker team supporting you every step of the way. Schedule In-Person Consultations Now offering free in-person consultations in downtown Minneapolis at 331 2nd Ave S, Minneapolis, MN 55401 with a Your JHN Finance Account to schedule your appointments ahead of time! Areas We Serve CREATE AN ACCOUNT HOW WAS YOUR EXPERIENCE? LEAVE A REVIEW INQUIRIES Want to know more about your insurance coverage options? Inquire about anything here. First Name Last Name Email How Can JHN FINANCE Help? Phone I agree to receive communications from Jacob Hollingsworth Network Corporation & JHN Finance by text message about my inquiry, or for purpose of marketing, customer care or important notices. You may opt-out by replying STOP or reply HELP for more information. Message frequency varies. Message and data rates may apply. You may review our Privacy Policy to learn how your data is used. Privacy Policy & Terms of use. Send Thanks for submitting! JHN Finance Questions and Answers Get more out of JHN Finance with 'JHN Finance Q/A'! Submit your pressing questions you've always had about insurance coverage and we'll get you an answer! LIFE INSURANCE Q/A HEALTH INSURANCE Q/A FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Explore healthcare options with JHN Finance Insurance's health insurance market! Various healthcare products available in both Minnesota and Missouri. See what fits you and inquire about professional direction today to receive assistance on making the decisions that matter the most! JHN FINANCE Healthcare Market - Minnesota (Providing a Non-Government Sponsored Insurance Resource) Explore the complete understanding of the Minnesota healthcare market and start planning for your coverage today! START PLANNING HEALTH INSURANCE PROVIDERS Minnesota’s First AI-Powered Health Provider Matchmaker Shop Bypass the traditional marketplace confusion. Input your exact healthcare priorities below, and our proprietary engine will instantly calculate the most viable, cost-effective carriers for your family’s specific medical needs before you speak with a licensed broker! AI QUICK PLAN Request a life insurance, health insurance, or annuity quote using AI technology! We only need a few details to get you in contact with a licensed insurance broker to get you started on your coverage journey for free! Coverage Being Requested Select an option Full Name Date of Birth * required Phone Number ZIP Code SUBMIT An error occurred. Try again! Successful Submission! Your Perfect Health Plan Built in Minimal Time Why stress over health insurance? With JHN Finance, you get the instant speed of our AI Plan Tool backed by the expert care of a dedicated Minnesota broker. We shop the top carriers to maximize your benefits—at zero cost to you . Learn About Different Healthcare Plans MEDICARE ADVANTAGE INDIVIDUAL & FAMILY Group Health Plans (Business Health) About the Minnesota Healthcare Market The Minnesota healthcare market comprises of a localized health & medical system centralized with the resources from private companies with direct influence from the Minnesota Department of Human Services (Health Division). About MNsure Despite popular belief, MNsure does not provide direct coverage for Minnesotans, nor do they determine which coverage is appropriate for the families & individuals of Minnesota. This role is reserved for insurance brokers, agents and producers alike. MNsure is designed to bring together healthcare professionals like brokers and insurers together to help citizens of Minnesota obtain and manage healthcare. MNsure also certifies individuals called 'Navigators'. Navigators help Minnesotans enroll in DHS programs like MinnesotaCare and Medical Assistance. But they do not determine suitability for insurance coverage. Learn more about these specified roles below. About BROKERS The process should always start with a licensed insurance broker. Finding a broker is like finding gold. Brokers are trained to understand suitability factors based on your income, lifestyle and more. Brokers should act in the best interest of their clients at all times. Instead of trying to tackle the insurance market alone, the broker should be your hub of direction and determination. As stated above, the roll of determining the proper coverage should always be determined by a licensed insurance broker, agent or producer. Navigators or county offices (Hennepin, Dakota, Ramsey) should never determine suitability or direct you to enroll in any Qualified Health Plans (QHP) without the direction of an insurance broker, agent or producer. This job requires the proper licensing and certifications. About INSURERS Insurers are private insurance companies that provide the coverage plans you select yearly. The insurer provides a "playbook", if you will. Their coverage plans include costs from deductibles, coinsurance & copays. Insurers also appoint insurance agents which are slightly different from insurance brokers. Agents work exclusively with a specified insurer's products to determine which of their available products are most suitable for you and help you enroll in those specified products. Insurers also rely on providers like pharmacists and doctors (hospitals, private practitioners, etc.) to determine fair costs and expenses. Despite popular belief, this is who provides coverage even when you elect financial assistance through state programming such as Medical Assistance or MinnesotaCare. About State Programs State Programs like MinnesotaCare and Medical Assistance are managed by the Department of Human Services through our counties (Hennepin, Dakota, Ramsey). These plans can offer as low as $0 cost premium plans that supply minimum insurance coverage at the most affordable rate for those under the Minnesota poverty limit thresholds. Eligibility is primarily determined by income. Although, other factors such as eligibility for Medicaid with low income can determine eligibility programs like Medical Assistance. As quoted above, even these $0 cost plans are issued and administered by the private insurance companies. Navigators are allowed to help you enroll in these types of plans. Preguntas frecuentes Minnesota Health Insurance Can I keep my current doctor if I switch health insurance carriers in Minnesota? Yes, but it depends entirely on the new carrier's specific network. Before switching plans, it is critical to verify that your preferred clinics and specialists are listed as "in-network." Using our Health Provider Matchmaker or consulting a JHN broker is the fastest way to confirm your doctors are covered before you enroll. Do I have to use MNsure to buy private health insurance in Minnesota? No. You can purchase private health insurance directly from a carrier or through a licensed broker like JHN Finance. However, MNsure is the only platform where you can qualify to have your federal premium tax credits applied in advance each month. It is also important to note that you still qualify for your premium tax credits at the end of each tax year from your health plan, but the credits cannot be applied monthly if you go private. Will my new health insurance plan cover pre-existing conditions? Yes. Under the Affordable Care Act (ACA), all comprehensive health insurance plans sold in Minnesota must cover pre-existing conditions. You cannot be denied coverage or charged higher premiums simply because of a medical issue you had before your coverage started. Are dental and vision coverage automatically included in my standard health insurance plan? No. While pediatric dental and vision care are required essential health benefits for children, adult dental and vision are typically not included in standard medical plans. You will usually need to purchase these as separate, standalone policies. Can I change my health insurance plan outside of the standard Open Enrollment Period (OEP)? Yes, but only if you qualify for a Special Enrollment Period (SEP). You can trigger a 60-day SEP if you experience a qualifying life event, such as losing your employer-sponsored coverage, getting married, having a baby, or moving out of your current plan's service area. Where can I find individual health insurance in Minnesota? Minnesota residents can find and purchase individual health insurance through MNsure, the state's official health exchange, but the most strategic route is to work alongside a certified, independent broker like JHN Finance. Based in the Twin Cities, we help individuals and families navigate both the MNsure marketplace and off-exchange private plans to secure the exact localized coverage they need while maximizing potential tax credits. Attempting to navigate the individual market alone can quickly become overwhelming, especially when trying to decipher complex network restrictions and subsidy eligibility. Partnering with a local expert ensures you aren't just picking a plan blindly, but strategically selecting a policy that protects your health and your wallet. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Available products with Humana Insurance through JHN FINANCE. Product descriptions to make an informed decision about your insurance coverage! GET STARTED JHN Finance has products from this provider. BEFORE YOU PURCHASE INSURANCE... DO Purchase without consulting a licensed professional. Skip over professional guidance by going directly to the insurer for a product Purchase, request, or maintain a plan based solely on the popularity of the product Maintain an insurance plan without professional oversight and management Follow advise provided by anyone who does not currently hold a life insurance license Consult your insurance broker Discuss all options available for you Provide as much information as possible to your insurance broker Review all family needs short-term & long-term Configure an insurance plan with your professional short-term & long-term DON'T PRODUCTS MEDICARE ADVANTAGE (MO) PRESCRIPTION DRUG PLANS (MN, MO) Products offered by Healthspring & Cigna ©️ . and are not exclusive to JHN FINANCE ©️ . Ownership of products and logo of Healthspring & Cigna ©️ are property of Healthspring & Cigna ©️ and use of products and materials offered on JHN FINANCE ©️ licensing is under exclusive agreements of JHN FINANCE ©️ and Healthspring & Cigna ©️ . A+ RATED... VERIFY ACCREDITATION FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Protect your future with Value+ Protector annuities from Corebridge Financial. Offered by JHN Finance Insurance in Minnesota and Missouri, these fixed indexed annuities provide growth potential and principal protection. About Value+ Protector III Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Value+ Protector III Infograph Product Thesis Value+ Protector III is a flexible Index Universal Life (IUL) insurance policy designed to serve a dual financial purpose: it secures a legacy for loved ones through a guaranteed death benefit while simultaneously functioning as a versatile financial asset for the policyholder during their lifetime. By leveraging index crediting strategies, the policy offers the potential for cash value growth linked to market performance without exposing the policyholder to direct market losses, thereby providing a "living benefit" that can be used for supplemental income, chronic illness expenses, or emergency needs. Detailed Analysis of the Thesis To understand the complete scope of Value+ Protector III, the topic can be broken down into three core strategic pillars: Protection, Accumulation, and Flexibility. 1. Protection: The Foundation of Security At its core, Value+ Protector III is a life insurance product intended to protect beneficiaries against the financial impact of the insured’s death. Guaranteed Coverage: The policy includes a guaranteed death benefit that extends to age 90, ensuring that coverage remains in force provided premiums are paid and no material changes or excessive withdrawals occur. Chronic Illness Safety Net: The protection extends beyond death. Through the optional Accelerated Access Solution (AAS) rider, the policy acts as a financial shield against chronic illness. If certified as chronically ill, the policyholder can accelerate a portion of the death benefit to cover care costs or lost income, receiving these payments typically free of federal income tax. Return of Premium: Recognizing that financial needs change, the policy includes a rider that allows for the return of premiums paid if the policyholder outlives their insurance needs and chooses to surrender the policy for other uses. 2. Accumulation: Growth Without Market Risk The "Value" component of the product refers to its ability to build cash value over time, distinguishing it from term insurance. Index Crediting Strategies: As an IUL, the policy allows the cash value to grow based on the performance of specific market indices. However, the money is not invested directly in the market. Instead, the policy credits interest based on these strategies, allowing the policyholder to capture potential market upside. Volatility Protection: A central thesis of this product is risk mitigation. It offers protection against market downturns because the policyholder does not own shares in a fund; therefore, while they can gain interest from rising markets, they avoid the direct losses associated with negative market performance. Excess Cash Value: If the index strategies perform better than expected over a 20-year period (or until age 85), the policyholder may be able to withdraw "excess cash value" without reducing the initial life insurance guarantee. 3. Flexibility: Accessing "Living Benefits" The product is marketed with the philosophy that life insurance should help the policyholder "keep moving forward" while they are still alive. Liquidity: The accumulated cash value is accessible through withdrawals or policy loans. This capital can be used for virtually any purpose, such as supplementing retirement income, funding a business, paying for education, or covering emergencies. Loan Options: The policy offers three types of loans—Standard (Fixed), Preferred, or Participating—giving the owner control over how they access their equity. These loans can potentially be income tax-free and do not require a repayment plan. Beneficiary Payment Options: The policy allows the owner to structure how beneficiaries receive the death benefit. Instead of a mandatory lump sum, the payout can be structured as installments (via the Select Income Rider) or a combination of both. This can help beneficiaries manage the assets and may lower policy costs, which enhances cash value growth. Conclusion Value+ Protector III is defined by its ability to mitigate two distinct types of risk: the risk of dying too soon (addressed by the death benefit) and the financial risks of living a long life (addressed by cash value accumulation and chronic illness protection). It posits that modern life insurance should not be a static asset but a dynamic financial tool that minimizes market volatility while providing liquidity for life’s unexpected turns. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Capture market gains without the risk. Explore Power Protector Index Annuities by Corebridge Financial with JHN Finance Insurance. Secure your future in MN or MO. About Power Protector Annuity Products Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Power Protector Annuity Infograph Product Thesis The Power Series of Index Annuities, issued by Corebridge Financial, is designed as a hybrid retirement solution that addresses the specific risks of market volatility, inflation, and longevity by combining the safety of principal protection with the potential for tax-deferred, index-linked growth and customizable, guaranteed lifetime income streams. Detailed Analysis The Power Series acts as an insurance instrument rather than a direct stock market investment, structured to bridge the gap between asset accumulation and secure income distribution through three primary mechanisms: 1. Principal Protection Through the "Power of Zero" The foundational thesis of this product line is the mitigation of "sequence of returns" risk—the danger of suffering market losses just before or during retirement. Downside Protection: The annuities utilize a "Power of Zero" strategy, ensuring that if the linked index performs negatively, the interest credited is 0%, but the principal is not reduced by market losses. This protects the portfolio from emotional decision-making and mathematical recovery time required after significant market drops, such as the "Lost Decade" of 2000–2010,. Guaranteed Floor: The product guarantees that the contract value will never decline due to market fluctuations, though it may be reduced by withdrawals or rider fees,. 2. Growth Potential via Diversified Indexing Strategies While protecting principal, the annuities aim to outpace inflation and fixed-income instruments like CDs by linking interest credits to the performance of external market indices,. Tax Deferral: Unlike taxable investments, earnings in these annuities are not taxed until withdrawn, allowing for potentially faster compound growth. Crediting Methods: Growth is calculated using various methods, including Index Rate Caps (a maximum limit on returns), Participation Rates (a percentage of the index's return), and Performance-Triggered Rates (a flat rate credited if the index is positive or flat),. Sophisticated Index Options: Beyond the standard S&P 500®, the Power Series offers access to multi-asset, volatility-controlled indices designed to provide consistent returns in varying market conditions: AQR DynamiQ Allocation Index®: Uses a multi-style approach (value, momentum, carry, defensive, trend) to diversify across global equities and fixed income,. Merrill Lynch Strategic Balanced Index™: Dynamically rebalances between equities and fixed income (Treasury futures) with a cash component to manage volatility,. PIMCO Global Optima Index®: Uses a "smart beta" approach to blend global equities and U.S. fixed income, targeting upside potential with daily risk management,. 3. The "Lifetime Income Choice®" Strategy For the "Plus Income" versions of the product (e.g., Power 7 Protector Plus Income), the thesis shifts from accumulation to income security. The Guaranteed Living Benefit (GLB) rider converts the accumulated assets into a predictable "paycheck" for life,. Guaranteed Income Base Growth: Prior to activating lifetime income, the "Income Base" (a calculation figure, not cash value) is guaranteed to grow by a 9% Income Credit annually for up to 10 years,. Flexibility in Payouts: Upon activation, policyholders can choose between two strategies: Max Income: Offers a higher initial withdrawal rate (up to 11% for age 75+), ideal for early retirement spending. If the contract value depletes, the income drops to a lower "Protected Income Payment Percentage",. Level Income: Provides a steady, consistent withdrawal rate (e.g., 8.5% for age 75+) that does not change even if the contract value drops to zero,. Enhanced Income Benefit: The rider includes a feature that can double the annual income amount for up to five years if the policyholder is confined to a nursing home or qualified facility, providing a hedge against long-term care costs. Conclusion The Power Series of Index Annuities posits that a successful retirement portfolio requires a foundation that eliminates the risk of loss while retaining the ability to capture market upside. By offering no-cost annuitization or fee-based guaranteed living benefits, the product allows retirees to transfer the risk of outliving their savings to the insurance company, ensuring financial certainty regardless of market performance or lifespan. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Get permanent protection without the complexity. Pacific Venture UL 2 offers no-lapse guarantees up to age 90. Consult JHN Finance Insurance in MN and MO today! About Pacific Venture UL 2 Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Venture UL 2 Infograph Product Thesis Pacific Venture UL 2 is a flexible premium universal life insurance policy designed for affluent individuals and business owners who require death benefit protection combined with the potential for cash value accumulation. The product distinguishes itself through high customizability, offering three distinct coverage configurations that allow policyholders to prioritize either early-year cash surrender values, long-term performance, or a balanced approach. Additionally, it provides robust living benefits through optional riders for chronic illness and long-term care, alongside standard no-lapse guarantees. Detailed Product Analysis 1. Target Market and Primary Objectives The policy is specifically tailored for business or affluent clients who need flexible death benefit protection to replace lost income, facilitate business succession, or manage estate taxes. It is also suitable for those with supplemental retirement income needs or legacy planning goals. The product structure supports various strategies, including executive retention plans and premium financing. 2. Customization of Coverage and Cash Value Strategy A core feature of the Venture UL 2 is the ability to select one of three "Coverage Types" at the time of issue, which cannot be changed later. This allows the client to align the policy’s mechanics with their specific financial horizon: Focus on Early-Year Liquidity: This option utilizes the SVER-3 Term Insurance Rider to increase the ratio of cash surrender value to premiums paid in the early years. This design is particularly useful for premium financing and business-sponsored designs where early exit strategies may be necessary. Focus on Long-Term Performance: This option utilizes the Long-Term Performance Rider (LTPR) to maximize non-guaranteed performance over a longer duration. It is designed for those prioritizing supplemental retirement income or death benefit-focused cases with shorter premium durations. Balanced Approach: This serves as a middle ground, balancing early-year liquidity with long-term accumulation potential. 3. Accumulation and Interest Crediting The policy offers attractive cash value potential by crediting a current declared interest rate, which is currently 5.8%. This current rate is guaranteed throughout the first policy year, while the policy maintains a guaranteed minimum interest rate of 1% for the life of the contract. 4. Protection Guarantees Pacific Venture UL 2 includes substantial safeguards against policy lapse: Standard No-Lapse Guarantee: Eligible policies automatically include a no-lapse guarantee up to age 90, ensuring coverage remains in force regardless of interest crediting, provided the specific no-lapse premiums are paid. Optional Lifetime Guarantee: For an additional cost, clients can elect a Flexible Duration No-Lapse Guarantee Rider, which extends protection up to the insured's lifetime. 5. Living Benefits and Riders The product offers extensive options for managing health-related financial risks through three specific rider choices: Premier LTC Rider: Provides reimbursement for qualified long-term care expenses with a monthly indemnity benefit. Premier Chronic Illness Rider: Offers benefits if the insured cannot perform two of six activities of daily living, without requiring a permanent condition (except in specific states like CA where availability differs). Premier Living Benefits Rider 2: Accelerates the death benefit for chronic conditions expected to be permanent, with no upfront cost. Additional riders include a Terminal Illness Rider and Overloan Protection 3 Rider, the latter of which helps prevent lapse on policies with large outstanding loans. 6. Policy Charges and Access to Capital Cost Structure: Policyholders are subject to a premium load (currently 5.20% for non-qualified premiums), monthly administrative charges ($10), cost of insurance charges, and coverage charges that apply for specific durations based on the coverage type selected. Surrender Charges: These apply if the policy is surrendered within the first 10 years. Liquidity: Policyholders can access cash value via tax-free loans and withdrawals. The policy offers a low annual net loan cost of 0.25% in years 1-5 and 0% in years 6+ on a current basis. Conclusion Pacific Venture UL 2 is a "venturous" financial tool that moves beyond simple death benefit protection by integrating investment-like accumulation features with insurance guarantees. Its primary thesis is flexibility: it allows the insured to tailor the cost structure and accumulation curve (early vs. long-term) to match specific business or personal financial planning cycles, while providing a safety net through no-lapse guarantees and chronic illness riders. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Compare top Medicare Advantage plans in MN & MO with JHN Finance. Skip the confusion—our local brokers find your perfect all-in-one coverage for free. About Medicare Advantage Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Medicare Advantage Infograph Product Thesis Medicare Advantage, also known as Part C, is an "all-in-one" alternative to Original Medicare. These plans are offered by private companies—like our partners Aetna, Humana, and Medica—and are approved by the Centers for Medicare and Medicaid Services. When you join a Medicare Advantage plan, you still have Medicare, but you get your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from the Medicare Advantage Plan, not Original Medicare. Why Choose Medicare Advantage? Most Medicare Advantage plans offer coverage for things that Original Medicare simply doesn’t touch. Common benefits include: Prescription Drug Coverage (Part D): Some plans include "built-in" drug coverage, so you don't have to purchase a separate policy. Vision, Dental, and Hearing: Many plans include routine exams, glasses, and even hearing aids. Out-of-Pocket Maximums: Unlike Original Medicare, these plans have a yearly limit on what you pay for covered services. Once you reach that limit, the plan pays 100% for the rest of the year. Wellness & Fitness + Additional Benefits: Many of our providers offer gym memberships and expense compensation options. Choosing the Right Network Since Medicare Advantage plans use provider networks, it’s vital to ensure your preferred doctors and hospitals are included. JHN Finance specializes in comparing: HMOs (Health Maintenance Organizations): Usually require you to see doctors within the network. PPOs (Preferred Provider Organizations): Offer more flexibility to see out-of-network providers (usually at a higher cost). Why Trust JHN Finance with Your Medicare? You’ve worked hard for your retirement; you shouldn't have to work hard to keep it healthy. Expert Guidance: We know the Minnesota and Missouri markets. A Personal Connection: Skip the government websites and automated call centers. When you work with JHN Finance, you have a dedicated broker who knows your name and provides you proper direction the first time. No Added Cost: Our consultation and enrollment services are free to you. We are compensated by the providers, allowing us to focus entirely on finding the best plan for your needs. GET THIS COVERAGE PROVIDERS FOR THIS PRODUCT Available in Minnesota and Missouri EXPLORE THIS PROVIDER NEXT FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Received a JHN Finance Insurance Booklet? Experience the Minnesota AI Life Insurance and Health Insurance Ecosystem. An all-new way to experience and enjoy obtaining insurance coverage using artificial intelligence. The Minnesota Life Insurance and Health Insurance AI Ecosystem Shop for Life Insurance or Health Insurance using AI Technology SHOPPING FOR INSURANCE Compare and use your 'Insurance I.D.' to determine which insurance providers may be most compatible for you. OPEN APP IN NEW TAB USE THE HEALTHCARE ROULETTE REQUEST A BROKER Answer a few questions to get in contact with a licensed broker free of charge. Evaluate your finances thoroughly up against Minnesota averages to craft a cost basis for your insurance & annuity capacities. OPEN APP IN NEW TAB MINNESOTA AI FINANCIAL EXPERT APPLY FOR LIFE INSURANCE Secure your Family's Legacy with Life Insurance Protection. Certain Health Coverage. Protect Your Family's Well-Being. APPLY FOR HEALTH INSURANCE FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Maximize early-year liquidity with Pacific Horizon ECV IUL. Ideal for business planning & premium financing in MN or MO. Get expert advice at JHN Finance Insurance. About Pacific Horizon ECV IUL Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Pacific Horizon ECV IUL Infograph Product Thesis The Pacific Horizon ECV IUL serves as a dual-purpose financial instrument that integrates flexible life insurance protection with distinct cash accumulation strategies; it achieves this by leveraging volatility-controlled indexing—specifically the BlackRock Endura® Index—to mitigate market downside risks while utilizing high participation rates and the optional Enhanced Performance Factor Rider (EPFR) to maximize upside potential in uncapped crediting environments. Detailed Analysis To fully support this thesis, the topic must be broken down into its four primary pillars: the underlying insurance structure, the volatility control methodology, the specific crediting accounts, and the performance enhancement mechanics. 1. The Underlying Structure: Flexible Protection The Pacific Horizon ECV IUL is defined as "Flexible Premium Indexed Adjustable Life Insurance". Its primary function is to provide a death benefit that is generally income tax-free to beneficiaries. However, unlike traditional term insurance, it is designed for cash value accumulation that can be used for supplemental retirement income or business asset protection,. Flexibility: Policyowners can adjust premium payments and face amounts, subject to certain limits and approvals,. Protection: The policy includes a guaranteed floor, ensuring that the cash value is protected from index-based losses (though it is still reduced by policy charges). 2. The Engine: The BlackRock Endura® Index A central differentiator of this product is its reliance on the BlackRock iBLD® Endura® VC5.5 ER Index (referred to as the BlackRock Endura® Index). This index is designed to provide more consistent returns than traditional stock indexes by using daily volatility controls. Composition: The index allocates assets between two specific iShares® Exchange Traded Funds (ETFs): iShares Edge MSCI USA Min Vol Factor ETF (USMV): Focuses on equities. iShares 1-3 Year Treasury Bond ETF (SHY): Focuses on short-term U.S. Treasury bonds. Methodology: The index utilizes a "Simple, Strategic, and Steady" approach. It monitors market signals daily; when markets are volatile, it shifts exposure toward bonds/cash, and when markets are favorable, it shifts exposure toward equities. The goal is to mitigate downside risk while capturing growth. 3. The Strategy: Volatility Control Indexed Accounts (VCIA) The Pacific Horizon ECV IUL utilizes "Volatility Control Indexed Accounts" (VCIA) which credit interest based on the performance of the BlackRock Endura® Index. These accounts are distinct from traditional indexed accounts because they feature no growth cap, allowing for potentially higher returns during strong market performance. The product offers two primary VCIA options: 1-Year High Par Volatility Control Indexed Account: This account credits 200% of the index's performance (with a guaranteed minimum of 25%). 1-Year Volatility Control Indexed Account: This account credits 180% of the index's performance (20% guaranteed minimum) but includes an additional fixed account benefit of 0.40%. Thesis Connection: These accounts support the thesis by demonstrating how the policy leverages the stability of the Endura Index (low volatility) to offer high participation rates (180–200%) without placing a ceiling (cap) on the earnings. 4. The Accelerator: Enhanced Performance Factor Rider (EPFR) To further amplify the "upside potential" mentioned in the thesis, the policy offers an optional Enhanced Performance Factor Rider (EPFR) at policy issue. This rider multiplies the interest credited to the policy’s indexed accounts by a "Performance Factor". Design Options: The rider allows the policyowner to toggle between three designs annually: Classic: No rider charge and a performance factor of 1.0 (standard performance). Performance: A moderate monthly charge (annualized approx. 4.98%) for a higher performance factor (current factor 1.91 in years 10–20),. Performance Plus: A higher monthly charge (annualized approx. 7.50%) for the highest performance factor (current factor 2.36 in years 10–20),. Risk vs. Reward: The EPFR introduces a risk/reward trade-off. While it increases the potential crediting rate, the rider charges are deducted regardless of market performance. If the rider charges exceed the segment indexed interest credit, the policy’s accumulated value will decrease. Conclusion The Pacific Horizon ECV IUL is a complex financial tool designed for policyowners seeking to balance safety with aggressive growth potential. By integrating the BlackRock Endura® Index, the policy minimizes exposure to extreme market volatility, while the uncapped Volatility Control Indexed Accounts allow owners to participate in 180% to 200% of that index's growth. The Enhanced Performance Factor Rider further serves as a lever for the policyowner to exchange higher fixed costs for significantly multiplied market-linked returns. Thus, the product functions as a strategic hedge, protecting the "bottom line" through guaranteed floors while attempting to outpace traditional returns through high-participation indexing. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .